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Before we get started on Debt Consolidation, it is important to bring your debt down as low as you think it could possibly go, and then maybe some more. Even if you have bills that you think are legitimate, you may be able to eliminate them from your total debt. By doing this, the total dollar amount that you need to refinance or otherwise pay off can be reduced. Don't feel guilty about this. Realize that if it were up to the credit card companies, they would have you in debt for the rest of your life. If you have been late on your payments, most card companies have already increased your interest rate way past what you had originally understood it to be. Some may even raise your rate based on your credit score, so if you are late with another creditor, your interest rate may go up. Some may even be charging more interest than what is legally allowed in your state, because they are in another state and are governed by the laws in their home state. You might be surprised by how many companies have located their home office in states where higher interest rates are allowed. I am going to show you a way you can cancel out your credit card balances on not only MAJOR BANK credit cards, but also Merchant Cards, such as department store cards, electronic store cards, catalog cards, gas cards, and Credit Union Cards. Since most Merchant Cards are now owned by the major banks, they can now be included in the program. Not only will these processes eliminate your debt, your credit score may even increase by the time we get done as a result of what we are going to do. Then, after you have erased all the debt you can, we will help you with the decisions you need to make on the rest of your debt. How far in debt are you? What is the best way to go with your next step? Disclaimer This publication is designed to provide accurate and authoritative information with regard to the subject matter covered. It is shown with the understanding that the publisher is not engaged in rendering legal or other professional advice. If legal advice or other expert assistance is required, the services of a professional should be sought. We do not encourage, endorse, or recommend the use of any of these strategies, methods, or information as a means to defraud any individual or organization. The publisher disclaims any responsibility for personal loss or liabilities caused by the use or misuse of any information presented herein.
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